Personal Insurance

You’ve insured your car and your home. But if the unexpected should occur, are you sufficiently protected? A personal umbrella insurance policy offers an extra layer of protection for your assets if there’s a serious auto accident or accident on your property. Otherwise, you could be liable for more than your current auto or homeowners coverage.

Unfortunately, in today’s society, lawsuits and million dollar verdicts are all too common. Incidents can occur in your day-to-day activities that could potentially cost you. If you’re like most people, you feel confident that your homeowner’s and auto insurance will protect you if you fall victim to a claim arising from normal activities. What you should be aware of is that while these policies do include liability coverage, the amount of coverage usually tops out at $500,000. Umbrella policies take over after the liability insurance in your homeowner’s and auto policy exceed their limits. We can help you determine if you should have an umbrella policy as well as the proper liability amounts based on your assets and exposures.

Are you prepared for the unexpected? Contact us to discuss your options.